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Georgia Mortgage Lender Bonds

The Georgia Department of Banking and Finance (DBF) has a $150,000 Georgia Mortgage Lender bond requirement for those who directly or indirectly make, originate, or purchase mortgage loans or who service mortgage loans. Loan Servicers are, by Georgia’s definition, required by law to have a mortgage lender’s license and GA Mortgage Lender Surety Bond, unless exempt under Georgia law.

Georgia law defines a mortgage loan as a loan or agreement to extend credit made to a natural person, which loan is secured by a deed to secure debt, security deed, mortgage, security instrument, deed of trust, or other document representing a security interest or lien upon any interest in one-to-four family residential property located in Georgia, regardless of where made, including the renewal or refinancing of any such loan. 

A DBF Bond Form must be executed by a surety company authorized to do so in the State of Georgia.   For information regarding GA Mortgage Lender Licensing or the GA Mortgage Lender Bond, please visit

Ameribonds® Surety’s knowledgeable and friendly staff is available Monday–Friday, 8:00 am–5:00 pm CST to answer your questions about GA bonding.  Please call (618) 242-7800 or (800) 995-0997 today.